PayDo, a leading Electronic Money Institution (EMI) authorised by the FCA in the UK, FINTRAC in Canada, and MFSA in Malta, operates in 140 countries and over 25 industries. Offering multicurrency IBANs, merchant solutions, and mass payment options, PayDo provides premium and convenient payment services. With all features available through one platform and contract, PayDo is a preferred solution for local and international payments.

We are seeking an experienced compliance professional with a deep understanding of regulations, extensive expertise in the EMI and high-risk sectors, and a proven track record of developing and implementing robust compliance programs. In this role, you will play a key part in ensuring the integrity and security of PayDo's operations, making a direct impact on its success and reputation.

You can expect

✏︎ Your Team/Streams: Onboarding KYC/KYB, Transaction Monitoring, Anti-Fraud, Regulatory Compliance. 25+ team members (Deputy/ Heads of Units/ Team Leads/ Specialists)

✏︎ Your Focus: Elevate compliance to operational excellence, driving continuous improvement through policy enhancement and advanced tools. Establish PayDo as an industry leader in global compliance, ensuring the highest standards of integrity and security

✏︎ Autonomy: Your strategic thinking will be key to shaping PayDo's compliance roadmap. You'll be a trusted advisor in high-level decisions and long-term planning

✏︎ Impactful work: You'll play a key role in ensuring the integrity and security of PayDo's operations, making a direct impact on the company's success and reputation

✏︎ Remote work: Work from anywhere with the flexibility to create your ideal work environment and maximise your efficiency

Your regular tasks

Risk Management & Compliance Oversight:

Develop, implement, and maintain a comprehensive risk and compliance framework, including policies and procedures to mitigate AML/CFT, sanctions, fraud, and other regulatory risks
Conduct thorough risk assessments and implement effective controls to address identified risks
Monitor and analyse regulatory changes, ensuring PayDo's compliance policies are updated and aligned with evolving requirements, particularly in payment regulations
Manage regulatory reporting and communication, ensuring timely and accurate submissions to relevant authorities

Strategic Leadership & Communication:

Develop and implement a strategic vision for the risk and compliance department, aligning with PayDo's overall business objectives
Provide regular updates and reports to senior management on compliance matters, including risk assessments, regulatory changes, and performance metrics
Serve as a key point of contact for regulatory authorities and external auditors
Drive technological improvements within the compliance department, leveraging internal and external technologies to enhance efficiency

Operational efficiency & Compliance processes management

Drive operational efficiency initiatives to streamline compliance processes and reduce processing times
Oversee the development and regular refinement of Standard Operating Procedures (SOPs), ensuring their effective implementation and adherence across all units
Monitor KPIs to drive performance and accountability within compliance functions, with consistent application and ownership at the Head of Units level
Conduct regular audits and reviews of compliance processes to ensure adherence to internal policies and regulatory requirements

Team Leadership & Management:

Directly manage teams, conduct regular performance evaluations, identify training needs, and implement development plans to enhance team capabilities
Foster a collaborative and high-performing team culture, promoting professional development and knowledge sharing
Lead recruitment efforts for compliance professionals, ensuring the acquisition of top talent to support PayDo's growth

Skills & qualifications

Minimum 5 years of experience in the compliance sphere within financial institutions, with a minimum of 3 years of managerial experience
In-house experience with the Electronic Money Institution and high-risk is a must
Experience leading a team of 8+ team members is a must (ideally leading onboarding, transaction monitoring, regulatory compliance and anti-fraud teams)
Strong understanding of relevant regulations and industry best practices in KYC, AML, and risk management
Experience working directly with regulatory bodies, including obtaining and supporting licensing processes, preparing regulatory reports, and successfully navigating regulatory audits
Experience managing compliance across multiple jurisdictions
Proven track record of developing and implementing successful compliance programmes, including KYC, AML, and sanctions screening
Ability to thrive in a fast-paced, dynamic, and rapidly evolving environment
Strong analytical and problem-solving skills
Advanced level of English Proficiency, Fluent Ukrainian/Russian language

As a plus

Experience working for an EMI company licensed by the FCA/FINTRAC/MFSA
Professional certification in compliance (e.g., ACAMS, ICA)

What's In It For You

At PayDo, specialists are at the heart of our innovation and success. Joining our team means accessing unparalleled opportunities to grow, contribute, and thrive in a dynamic FinTech environment.

Empowerment Through Professional Development:
- Monthly investment in your English learning
- Yearly allocation for advancing your professional expertise
Unlock Your Potential:
- Transparent career growth with opportunities to achieve Lead roles within 1 year, Head roles in 2 years, and even C-level within 4 years, based on exceptional performance
- Performance reviews are anchored in KPIs, ensuring recognition is merit-based
Make a Lasting Impact:
- Work on unique projects where your contributions can reshape company-wide processes
- Bring your ideas to the table and earn exceptional bonuses through our PayDo Ideas Hub
Flexible and People-Centric Culture:
- Days of paid vacation annually, with the flexibility to transfer unused days or receive compensation
- Days of paid sick leave annually, accommodating emergencies and medical needs
- Additional holidays aligned with your local calendar
Compensation & Incentives:
- Multiple payment options, including Private Entrepreneurship accounts or popular e-wallets

Our Values:

At PayDo, we live by principles that drive us to excellence:

Ownership & Initiative: Specialists who take charge and make a difference
Collaboration & Communication: Together, we achieve more by sharing ideas and insights

Become part of a global team redefining FinTech. Your expertise, passion, and ideas will shape the future of payments with PayDo!

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Head of Risk & Compliance (FinTech, EMI)